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EMBank Sees Strong Performance in Q2 2025 As Deposits and Assets Grow

EMBank Sees Strong Performance in Q2 2025 As Deposits and Assets Grow

EMBank Sees Strong Performance in Q2 2025 As Deposits and Assets Grow

European Merchant Bank (EMBank) has announced a solid set of results for the first half of 2025, with increased revenue, stable profitability, and a significant rise in both deposits and total assets. The results highlight the bank's continued resilience and strategic focus on long-term value creation.

During the six-month period ending June 2025, EMBank reported a net profit of €650,000, up 2.2% from the same period last year. Net income reached €5.7 million, representing an annual increase of 8.4%. Deposits grew from €138 million to €175 million - a rise of nearly 28% - while total assets increased to €189 million.

EMBank CEO Sarp Demiray stated that the results demonstrate the bank's ability to deliver consistent financial performance while responding to broader economic improvements. "The overall financial climate is much more positive than in previous years. The first half of the year showed that companies need reliable financial partners, which is the essential foundation for continued growth," he stated.

The bank's lending activity also saw a slight increase, with its business loan portfolio valued at €40.9 million - roughly in line with the same period in 2024. EMBank continues to channel revenue into strengthening its service offering, with ongoing investments in staff training, digital tools, and new product development.

Ekmel Cilingir, Chairman of the Board, noted that EMBank's approach prioritises stability and sustainable development over short-term gains. "Our decision to invest consistently in team development and modern technologies enables us to ensure greater efficiency and a competitive advantage in the future," he said.
In line with this strategy, EMBank is expanding its financing operations in Lithuania. New initiatives include enhancing its business development teams and launching a strategic partnership to simplify bond issuance for companies, improving access to alternative financing options.

Licensed by the European Central Bank, EMBank operates as a specialised financial institution offering services tailored to small and medium-sized enterprises (SMEs). The bank provides business loans, working capital solutions, international payment services, and business accounts. Headquartered in Vilnius, it mainly serves clients across the European Economic Area, combining a digital-first approach with customised support.

With market conditions gradually improving and businesses seeking stable financial partners, EMBank's performance in the first half of 2025 reflects its growing role as a trusted ally to SMEs. By reinvesting in infrastructure and people, the bank is positioning itself for continued growth and long-term impact.

Company Name: European Merchant Bank (EMBank)
Contact Person: Dilek Isik
Email: dilek.isik@em.bank
Country: Lithuania
Address: Pirkliu Klubas, Gedimino 35, 01119, Vilnius, Lithuania
Website: https://em.bank/

European Merchant Bank (EMBank) is a specialised financial institution licensed by the European Central Bank and headquartered in Vilnius, Lithuania. The bank supports SMEs and fintechs with regulated accounts, embedded financial infrastructure, payment processing, and credit solutions. EMBank operates in line with EU standards and participates in Lithuania's deposit guarantee scheme.
Further information can be found at https://em.bank

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